Is AppleCare even worth it anymore

Discussion in 'iPhone' started by damonbus, Sep 11, 2015.

  1. damonbus macrumors member

    damonbus

    Joined:
    May 9, 2013
    Location:
    NY
    #1
    My understanding is the AppleCare price will be going up with the 6s release. At that price is it even worth it? Would it be better to just use the Verizon insurance at $11.99 a month.
     
  2. Cryates macrumors 6502a

    Joined:
    Nov 19, 2013
    Location:
    Chattanooga, TN
  3. Decimotox macrumors 6502a

    Joined:
    Jul 8, 2013
    #3
    Carrier insurance requires paying a deductible, and it's always pretty hefty for the new/expensive phones.
     
  4. rockyroad55 macrumors 601

    rockyroad55

    Joined:
    Jul 14, 2010
    Location:
    Phila, PA
    #4
    But remember to factor in the deductible from the Verizon insurance program.
     
  5. The Game 161 macrumors G5

    The Game 161

    Joined:
    Dec 15, 2010
    Location:
    UK
    #5
    not if you have insurance...if you upgrade every year I don't see much point
     
  6. Broadus macrumors 6502a

    Joined:
    Oct 26, 2011
    #6
    It wasn't worth it before the increase to me. Some swear by it, but I've never regretted not having it.
     
  7. flur macrumors 68000

    Joined:
    Nov 12, 2012
    #7
    AC+ gives you two years of coverage for $129.99. VZ insurance at $11.99/mo for the same two years is $287.76. So..no, not better.
     
  8. The Game 161 macrumors G5

    The Game 161

    Joined:
    Dec 15, 2010
    Location:
    UK
    #8
    If you keep the phone for two years then yeah Maybe it is.

    As I don't believe you can transfer applecare from one device to another
     
  9. jkozlow3 macrumors 6502a

    Joined:
    Jul 16, 2008
    #9
    Doesn't Applecare+ require a $99 fee per incident? How is that not the same as a "deductible"? I'm not well versed on Applecare+ as I've never used it myself, but it seems that there is still a cost that the consumer must share/incur when filing a claim (the very definition of a deductible) unless I'm misunderstanding something.
     
  10. Cuechick macrumors 6502

    Cuechick

    Joined:
    May 30, 2010
    Location:
    So Cal
    #10
    Don't you get one year free warranty with purchase? Does either cover the phone breaking from being dropped? I don't think Apple Care does?
     
  11. Decimotox macrumors 6502a

    Joined:
    Jul 8, 2013
    #11
    Yep - it's definitely a deductible, but the carrier deductibles can be $200+, depending on the model.
     
  12. jtrue28 macrumors 6502

    jtrue28

    Joined:
    Apr 10, 2015
    Location:
    Lexington, KY
    #12
    The only thing that worries me with AC+ is they don't cover lost/stolen. I always get AC+, but am looking for a decent insurance plan that covers damages, lost/stolen, etc with a reasonable deductible.

    AMEX will cover it for a while, but not more than a few months.
     
  13. rockyroad55 macrumors 601

    rockyroad55

    Joined:
    Jul 14, 2010
    Location:
    Phila, PA
    #13
    Yes the fee per incident is the deductible.
     
  14. rockyroad55 macrumors 601

    rockyroad55

    Joined:
    Jul 14, 2010
    Location:
    Phila, PA
    #14
    I believe carrier insurance covers theft.
     
  15. ripsaw650 macrumors newbie

    Joined:
    Sep 4, 2015
    #15
    Didn't I hear that you get your money back with AC if you don't use any of the 2 accidental replacements?
     
  16. Cryates macrumors 6502a

    Joined:
    Nov 19, 2013
    Location:
    Chattanooga, TN
    #16
    How long you keep the phone doesn't mean anything. You can call Apple and get reimbursed for any unused AppleCare+ coverage that is left.

    And I'm not paying $11.99/mo AND $199 per replacement.
     
  17. flur macrumors 68000

    Joined:
    Nov 12, 2012
    #17
    If you're only keeping the phone for 1 year, there's no reason to have either of these, as the phone is under warranty for that year. But if you wanted it just for accidental damage coverage, $11.99 x 12 = $143.88 versus AC+ at $129.99. AC+ is still cheaper.

    I haven't sold any of my devices (we usually pass things down in my family), but I hear having AC+ will net you a higher sale value too.
     
  18. rockyroad55 macrumors 601

    rockyroad55

    Joined:
    Jul 14, 2010
    Location:
    Phila, PA
    #18
    The refund is based on the percentage of unused coverage minus any service that may have been used.
     
  19. Cryates macrumors 6502a

    Joined:
    Nov 19, 2013
    Location:
    Chattanooga, TN
    #19
    Doesn't matter. You can get a refund for what you don't use.
     
  20. The Game 161 macrumors G5

    The Game 161

    Joined:
    Dec 15, 2010
    Location:
    UK
    #20
    Suppose if you sell it to a site like Gumtree
     
  21. ricktat macrumors 6502a

    Joined:
    Feb 18, 2013
    #21
    Exactly.. I keep my phones for 1 year or less and always cancel AppleCare for a refund. The only time this wont work is if you have had a replacement... but then... It paid for itself already.
     
  22. Cryates macrumors 6502a

    Joined:
    Nov 19, 2013
    Location:
    Chattanooga, TN
    #22
    Verizon isn't going to give you back the insurance money you paid, but never used.
     
  23. flur macrumors 68000

    Joined:
    Nov 12, 2012
    #23
    Your homeowners or renters insurance will cover theft.
     
  24. flur macrumors 68000

    Joined:
    Nov 12, 2012
    #24
    Selling to a human.
     
  25. ricktat macrumors 6502a

    Joined:
    Feb 18, 2013
    #25
    Now I do get AT&T insurance for $6.99 per month on my kids phone. More worried about the lost and stolen.
     

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